With fluency in Spanish, DAVID proudly serves clients in All 50 States NC & NY . DAVID has 19 years of experience as a Senior Home Lending Advisor and specializes in preapproval, lending to self-employed clients, low-to-moderate income lending programs, adjustable-rate mortgages, vacation home financing, and FHA and VA mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, DAVID is here to help you find a mortgage to fit your needs. Starting with a review of your finances, DAVID can help you get a clear picture of what might work best for you. DAVID will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, DAVID wants to ensure that you have a positive home lending experience.